Florida couple’s $46K Hurricane Ian claim denied by Citizens Insurance — jury verdict now tops $400K

A rejected insurance claim left Florida couple Bryan Guerra and Meghan Fitzgerald in a legal struggle for several months. However, that long wait is about to pay off.

On Oct. 8, 2026, a Broward County jury reached a verdict that could cost the couple’s insurer more than $400,000 for a repair that was originally valued at $45,950.93, according to a case announcement from Bryson Harris Suciu DeMay, the law firm that represented them.

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“The needle moved a little more towards justice with this decision,” stated lead counsel Patrick Montoya, a Miami-based trial attorney with over two decades of experience handling complex commercial litigation, class actions and first-party property cases.

According to Montoya, Guerra and Fitzgerald were seriously delayed by their insurance company that then denied their claim…

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